**1.3****Interest Rates****.**The principal balance of the Term Loan and other Obligationsoutstanding from time to time shall bear interest from the respective dates such principal amountsare advanced or incurred until paid at a variable rate per annum equal to the sum of the Prime Rateplus 0.75%. All interest chargeable under this Agreement shall be computed on the basis of theactual number of days elapsed in a year of 360 days. At any time that an Event of Default exists,the principal amount of the Obligations outstanding shall bear interest at the Default Rate. ThePrime Rate on the date hereof is 4.00% and therefore the rate of interest in effect hereunder,expressed in simple interest terms as of the date hereof, is 4.75%.     **1.4****Reimbursement of Expenses****.**Borrower shall reimburse Lender for all LenderExpenses. All amounts chargeable to Borrower under this Section 1.4 shall be secured by theCollateral, shall be payable on demand to Lender, and shall bear interest from the date such demandis made until paid in full at the rate applicable to the Term Loan from time to time.     **1.5****Maximum Interest****.**In no event shall the aggregate of all amounts that arecontracted for, charged or received by Lender pursuant to the terms of the Loan Documents and thatare deemed interest under applicable law exceed the highest rate permissible under any applicablelaw, that a court of competent jurisdiction shall, in a final determination, deem applicablehereto. If any interest is charged or received in excess of the maximum rate allowable underapplicable law (“Excess”), Borrower acknowledges and stipulates that any such charge or receiptshall be the result of an accident and bona fide error, and such Excess, to the extent received,shall be applied first to reduce the principal Obligations and the balance, if any, returned toBorrower, it being the intent of the parties hereto not to enter into a usurious or other illegalrelationship. The provisions of this Section shall be deemed to be incorporated into every LoanDocument (whether or not any provision of this Section is referred to therein).     **1.6****Prepayments****.**Borrower may, at its option, prepay any portion of the Term Loan inwhole at any time or in part from time to time, in an amount not less than $50,000, by paying theprincipal amount to be prepaid together with interest accrued thereon to the date of prepayment.Borrower shall prepay the Term Loan concurrently with, and by an amount equal to, (i) the netproceeds received in connection with an Permitted Asset Disposition of Fixed Assets and (ii)proceeds of insurance or condemnation awards paid in respect of any Fixed Assets.     **1.7****Application of Payments and Collections****.**Borrower irrevocably waives the right todirect the application of any and all payments and collections at any time or hereafter received byLender from or on behalf of Borrower, and agrees that Lender shall have the continuing right toapply and reapply any and all such payments and collections received at any time hereafter againstthe Obligations, in such manner as Lender may deem advisable.     **1.8****Collateral****.**All of the Obligations shall be secured by a continuing securityinterest and Lien upon all property of Borrower, as and to the extent provided in the SecurityDocuments.**SECTION 2. TERM**     On the Maturity Date, all Obligations shall become immediately due and payable without noticeto or demand upon Borrower and shall be paid to Lender in cash or by wire transfer of immediatelyavailable funds.
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**SECTION 3. CONDITIONS PRECEDENT**     Lender shall not be obligated to make any extension of credit hereunder unless, on or beforeNovember 7, 2008, each of the following conditions has been satisfied:          (a) Borrower and each other Person that is to be a party to any Loan Document shall haveexecuted and delivered each such Loan Document, all in form and substance satisfactory to Lender;          (b) Borrower shall cause to be delivered to Lender the following documents, each in form andsubstance satisfactory to Lender:     (i) A copy of the Organic Documents of Borrower;     (ii) A certificate of the resolutions of the board of directors or other appropriate governingbody of Borrower, signed by a Senior Officer of Borrower, authorizing Borrower to execute, deliverand perform its obligations under the Loan Documents;     (iii) A favorable legal opinion of Borrower’s outside legal counsel addressed to Lenderregarding such matters as Lender and its counsel may request;     (iv) Evidence of insurance, including standard forms of certificates of insurance addressed toLender, reasonably satisfactory to Lender and otherwise confirming Borrower’s satisfaction of theinsurance requirements contained in the Loan Documents;     (v) A UCC fixture filing naming Borrower as debtor and Lender as secured party with respect tofixtures from time to time located on the Real Property;     (vi) A fully paid commitment for a loan policy of title insurance with respect to the RealProperty issued to Lender by a title insurance company, and with endorsements, satisfactory toLender in such amount as Lender may request, and with no exceptions not approved by Lender; and     (vii) A certificate, signed by Borrower’s President, confirming satisfaction not theconditions set out in clauses (c) through (g), below.          (c) There shall be no Liens upon the Real Property, other than Permitted Liens;          (d) There shall be no litigation pending or threatened against Borrower which Lenderdetermines may have a Material Adverse Effect;          (e) The Real Property shall not have been materially damaged by fire or other casualty;          (f) Borrower shall have received all licenses, permits and approvals of governmentalauthorities, if any, required to purchase the Real Property, and the Real Property shall notviolate any law, ordinance, rule or regulation, building lines or other restrictions applicable toit; and          (g) There shall not have occurred any Event of Default under (and as defined in) the Line ofCredit Loan Agreement.
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**SECTION 4. BORROWER’S REPRESENTATIONS AND WARRANTIES**     To induce Lender to enter into this Agreement and to extend credit, Borrower makes thefollowing representations and warranties, all of which shall be deemed made as of the date hereofand on each date that a request for an extension of credit hereunder is made:     **4.1****Existence and Rights; Predecessors****.**Borrower is a corporation, duly organized,validly existing and in good standing under the laws of the State of Georgia and is duly qualifiedor licensed to transact business in all places where the failure to be so qualified couldreasonably be expected to have a Material Adverse Effect; has the right and power to enter into anddischarge all of its obligations under the Loan Documents, each of which constitutes a legal, validand binding obligation of Borrower, enforceable against it in accordance with its terms, subjectonly to bankruptcy and similar laws affecting creditors’ rights generally; and has the power,authority, rights and franchises to own its property and to carry on its business as presentlyconducted. Borrower has not been a party to any merger, consolidation or acquisition of all orsubstantially all of the assets or equity interests of any other Person and has not changed itslegal status or the jurisdiction in which it is organized.     **4.2****Authority****.**The execution, delivery and performance of the Loan Documents byBorrower and each other Person (other than Lender) executing any Loan Document have been dulyauthorized by all necessary actions of such Person, and do not and will not violate any provisionof law, or any writ, order or decree of any court or governmental authority or agency, or anyprovision of the Organic Documents of such Person, and do not and will not result in a breach of,or constitute a default or require any consent under, or result in the creation of any Lien uponany property or assets of such Person pursuant to, any law, regulation, instrument or agreement towhich any such Person is a party or by which any such Person or its properties may be subject orbound.     **4.3****Litigation****.**There are no actions or proceedings pending, or to the knowledge ofBorrower threatened, against any Obligor before any court or administrative agency, and Borrowerhas no knowledge or belief or any pending, threatened or imminent, governmental investigations orclaims, complaints, actions or prosecutions involving Borrower or any Obligor. Borrower is not indefault with respect to any order, writ, injunction, decree or demand of any court or anygovernmental or regulatory authority.     **4.4****Financial Condition****.**All financial statements and information relating toBorrower which have been delivered to Lender have been prepared in accordance with GAAP, unlessotherwise stated therein, and fairly and reasonably present Borrower’s financial condition. Therehas been no material adverse change in the financial condition of Borrower since the date of themost recent of such financial statements submitted to Lender. Borrower has no knowledge of anyliabilities, contingent or otherwise, that are not reflected in such financial statements andinformation. Borrower has not entered into any special commitments or contracts which are notreflected in such financial statements or information and that may have a Material Adverse Effect.Borrower is, and after consummating the transactions described in the Loan Documents will be,Solvent. Borrower has delivered to Lender pro forma balance sheets and income statements for Bankin the forms filed by Borrower with the OCC in connection with the Bank Application.     **4.5****Taxes****.**Borrower has filed all tax returns that it is required to file, and haspaid all Taxes shown on said returns as well as all Taxes shown on all assessments received by itto the extent that such Taxes are not being Properly Contested; and Borrower is not subject to anytax Liens and has not received any notice of deficiency or other official notice to pay any Taxes.
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     **4.6****Material Agreements****.**Borrower is not a party to any agreement or instrumentadversely affecting its business, assets, operations or condition, nor is Borrower in default inthe performance, observance or fulfillment of any material obligations, covenants or conditionscontained in any agreement or instrument where such default could reasonably be expected to have aMaterial Adverse Effect.     **4.7****Title to Assets; Intellectual Property****.**Borrower has good title to its assets andthe same are not subject to any Liens other than Permitted Liens. Borrower possesses all necessarytrademarks, trade names, copyrights, patents, patent rights and licenses to conduct business as nowoperated, without any known conflict with the rights of others.     **4.8****Compliance With Laws****.**Borrower, and its properties, business operations andleaseholds, are in compliance in all material respects with all applicable laws.     **4.9****Business and Collateral Locations****.**Borrower’s chief executive office, principalplace of business and office where Borrower’s business records are located is 4271 Mundy Mill Road,Oakwood, Georgia. None of Borrower’s assets is in the possession of any Person other thanBorrower.     **4.10****ERISA****.**Borrower does not have, and has not ever had, any Plan. Borrower is notrequired to contribute to or is not contributing to a Multiemployer Plan and has no withdrawalliability to any Plan, nor has any reportable event referred to in Section 4043(b) of ERISAoccurred that has resulted or could result in liability of Borrower; and Borrower does not have anyreason to believe that any other event has occurred that has resulted or could result in liabilityof Borrower as set forth above.     **4.11****Labor Relations****.**Borrower is not a party to or bound by any collectivebargaining agreement, management agreement or consulting agreement. On the date hereof, there areno material grievances, disputes or controversies with any union or any other organization ofBorrower’s employees, or, to Borrower’s knowledge, any threats of strikes, work stoppages or anyasserted pending demands for collective bargaining by any union or organization.     **4.12****Anti-Terrorism Laws****.**Neither Borrower nor any of its Affiliates is in violationof any anti-terrorism law, including the PATRIOT Act, engages in or conspires to engage in anytransaction that evades or avoids, or has the purpose of evading or avoiding, or attempts toviolate, any of the prohibitions set forth in any anti-terrorism law, including the PATRIOT Act; oris any of the following (each a “Blocked Person”): (i) a Person that is listed in the annex to, oris otherwise subject to the provisions of, Executive Order No. 13224; (ii) a Person owned orcontrolled by, or acting for or on behalf of, any Person that is listed in the annex to, or isotherwise subject to the provisions of, Executive Order No. 13224; (iii) a Person with which anybank or other financial institution is prohibited from dealing or otherwise engaging in anytransaction by any anti-terrorism law; (iv) a Person that commits, threatens or conspires to commitor supports “terrorism” as defined in Executive Order No. 13224; (v) a Person that is named as a“specially designated national” on the most current list published by the U.S. Treasury DepartmentOffice of Foreign Asset Control at its official website or any replacement website or otherreplacement official publication of such list; or (vi) a Person who is affiliated with a Personlisted above. Neither Borrower nor any of its Affiliates conducts any business or engages inmaking or receiving any contribution of funds, goods or services to or for the benefit of anyBlocked Person or deals in, or otherwise engages in any transaction relating to, any property orinterests in property blocked pursuant to Executive Order No. 13224.     **4.13****Capital Structure****.**Borrower does not have, and has not ever had, anySubsidiaries. Borrower has not made, or obligated itself to make, any Distributions. There are nooutstanding
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agreements or instruments binding upon holders of any Borrower’s Equity Interests relating toownership of such Equity Interests.     **4.14****Bank Application Status****.**Borrower submitted the Bank Application to the OCC toestablish Bank as a national bank. The Bank Application includes a business plan or operatingplan, articles of association for Bank, an organization certificate for Bank, and a statement tothe OCC that demonstrates Bank’s plans for attracting and maintaining community support and thatBank intends to achieve the objectives of the community Reinvestment Act, 12 U.S.C. § 901 *et seq.*Bank does not intend to offer fiduciary services. To ensure that all capital stock of Bank will bepaid in, Borrower has established the Escrow Account with the Escrow Agent pursuant to the EscrowAgreement and has delivered to Lender a complete and correct copy of the Escrow Agreement. Whenits capital stock is paid in, Bank would have capital sufficient to support the projected volumeand type of business proposed in Bank’s plan filed as part of the Bank Application, and Bank canreasonably be expected to achieve and maintain profitability. Borrower and its principals arefamiliar with national banking laws and regulations (including, without imitation, safe and soundbanking operations and practices). Bank has competent management, including a board of directorsof no fewer than 5 elected members, with the ability and experience relevant to the types ofservices to be provided by Bank. Each of Borrower and Bank has complied with all instructions ofthe OCC regarding the Escrow Account established in connection with the issuance or sale of EquityInterests in Bank.**SECTION 5. AFFIRMATIVE COVENANTS**     At all times prior to the Maturity Date and payment in full of the Obligations, Borrowercovenants that it shall:     **5.1****Notices****.**Notify Lender, promptly after Borrower’s obtaining knowledge thereof, of(i) any Default or Event of Default; (ii) the commencement of any action, suit or other proceedingagainst, or any demand for arbitration with respect to, any Obligor; (iii) the occurrence orexistence of any default by an Obligor under any agreement relating to Debt for money borrowed;(iv) any notice by Borrower or Bank to, or to Borrower or Bank from, the OCC in connection with theBank Application; (v) any notice to Borrower or Bank from any subscribers to the Equity Interestsin Borrower; or (vi) any other event or transaction that could reasonably be expected to have aMaterial Adverse Effect.     **5.2****Maintenance of Rights and Properties****.**Maintain and preserve all rights,franchises and other authority adequate for the conduct of its business; maintain its properties,equipment and facilities in good order and repair; conduct its business in an orderly mannerwithout voluntary interruption; and maintain and preserve its existence.     **5.3****Insurance****.**In addition to the insurance required by the Loan Documents withrespect to the Collateral, maintain with its current insurers or with other financially sound andreputable insurers having a rating of at least A- or better by *Best’s Ratings*, a publication ofA.M. Best Company, (i) insurance with respect to its properties and business against suchcasualties and contingencies of such type (including product liability, workers’ compensation,larceny, embezzlement or other criminal misappropriation insurance) and in such amounts and withsuch coverages, limits and deductibles as is customary in the business of Borrower and (ii)business interruption insurance in an amount approved by Lender.     **5.4****Visits and Inspections****.**Permit representatives of Lender, as often as may bereasonably requested, but only during normal business hours and (except when a Default or Event ofDefault exists) upon reasonable prior notice to Borrower to: visit and inspect properties ofBorrower and each of its Subsidiaries; inspect, audit and make extracts from Borrower’s Books,including all records
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relating to any Collateral; and discuss with its officers, employees and independentaccountants Borrower’s business, financial conditions, business prospects and results ofoperations.     **5.5****Taxes****.**Pay and discharge all Taxes prior to the date on which such Taxes becomedelinquent or any penalties attached thereto, except and to the extent only that such Taxes arebeing Properly Contested. If requested by Lender, Borrower shall provide proof of payment or, inthe case of withholding or other employee taxes, deposit required by applicable law and shalldeliver to Lender copies of all of tax returns (and amendments thereto).     **5.6****Financial Statements and Other Information****.**Keep adequate records and books ofaccount with respect to its business activities in which proper entries are made in accordance withGAAP reflecting all its financial transactions; and cause to be prepared and furnished to Lenderall reporting with respect to the Collateral as provided in the Loan Documents, and, upon Lender’srequest therefor, copies of Borrower’s internal unaudited financial statements, any auditedfinancial statements of Borrower and, promptly after the sending or filing thereof, as the case maybe, copies of any statements or reports which Borrower has made generally available to itsshareholders, copies of any regular, periodic and special reports or registration statements orprospectuses which Borrower files with any governmental authority, and copies of any press releasesor other statements made available by Borrower to the public concerning material changes to ordevelopments in the business of Borrower.     **5.7****Compliance with Laws****.**Comply with all applicable laws (including the PATRIOTAct), and all other laws regarding the collection, payment and deposit of Taxes, and shall obtainand keep in full force and effect any and all governmental approvals necessary to the ownership ofits properties or the conduct of its business and shall promptly report any non-compliance toLender.**SECTION 6. NEGATIVE COVENANTS**     At all times prior to the Maturity Date and payment in full of the Obligations, Borrower shallnot:     **6.1****Fundamental Changes****.**Merge, reorganize, or consolidate with any Person, orliquidate, wind up its affairs or dissolve itself, in each case whether in a single transaction orin a series of related transactions; change its name or conduct business under any fictitious name;change its federal employer identification number, organizational identification number or state oforganization; relocate its chief executive office or principal place of business without havingfirst provided 30 days prior written notice to Lender; amend, modify or otherwise change any of theterms or provisions in any of its Organic Documents, except for changes that do not affect in anyway Borrower’s authority to enter into and perform the Loan Documents to which it is a party, theperfection of Lender’s Liens in any of the Collateral, or Borrower’s authority or obligation toperform and pay the Obligations; or create any Subsidiary or acquire all or substantially all ofthe assets or Equity Interests of another Person.     **6.2****Conduct of Business****.**Sell, lease or otherwise dispose of any of its assets(including any Collateral) other than in a Permitted Asset Disposition; suspend or otherwisediscontinue all or any material part of its business operations; or engage in any business otherthan the business engaged in by it on the Closing Date.     **6.3****Liens****.**Create, incur or suffer to exist any Lien on any of its assets other thanPermitted Liens.     **6.4****Loans; Asset Transfers****.**Make any loans, advances or other transfers of propertyto any Person, except reimbursement of expenses to officers or employees of Borrower in theOrdinary Course of Business and transfers to Lender pursuant to the Loan Documents.
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     **6.5****Distributions****.**Declare or make any Distribution.     **6.6****ERISA****.**Withdraw from participation in, permit any full or partial termination of,or permit the occurrence of any other event with respect to any Plan maintained for the benefit ofBorrower’s employees under circumstances that could result in liability to the Pension BenefitGuaranty Corporation, or any of its successors or assigns, or to any entity which provides fundsfor such Plan; or withdraw from any Multiemployer Plan described in Section 4001(a)(3) of ERISAwhich covers Borrower’s employees.     **6.7****Tax and Accounting Matters****.**File or consent to the filing of any consolidatedincome tax return with any Person; make any significant change in accounting treatment or reportingpractices, except as required by GAAP; or establish a fiscal year different than the Fiscal Year.**SECTION 7. EVENTS OF DEFAULTS; REMEDIES**     **7.1****Events of Default****.**The occurrence or existence of any one or more of thefollowing events or conditions shall constitute an Event of Default under this Agreement:          (a) Borrower shall fail to pay any of the Obligations on the due date thereof (whether due atstated maturity, on demand, upon acceleration or otherwise).          (b) Any Obligor fails or neglects to perform, keep or observe any (i) covenant contained in**Sections 5.1, 5.4, 5.6, 5.7**or **6**on the date that Borrower is required to perform, keep or observesuch covenant; (ii) any other covenant contained in this Agreement if the breach of such othercovenant is not cured to Lender’s satisfaction within 15 days after the sooner to occur of anySenior Officer’s receipt of notice of such breach from Lender or the date on which such failure orneglect first becomes known to any Senior Officer, provided that such notice andopportunity to cure shall not apply in the case of any failure to perform, keep or observe anycovenant that is not capable of being cured at all or within such 15-day period or that is awillful and knowing breach by Borrower; or (iii) any Obligor fails or neglects to perform ordischarge any covenant or undertaking by it in any other Loan Document.          (c) Any representation, statement, report, or certificate made or delivered by Borrower toLender is not true and correct, in any material respect, when made or furnished.          (d) An Insolvency Proceeding (i) is commenced against an Obligor and is not dismissed within45 days thereafter or (ii) is commenced by an Obligor.          (e) One or more judgments shall be entered against any Obligor and (i) enforcement proceedingsshall have been commenced by any creditor upon such judgment, (ii) there shall be any period of 30consecutive days during which a stay of enforcement of such judgment, by reason of a pending appealor otherwise, shall not be in effect, or (iii) results in the creation or imposition of a Lien uponany of the Collateral that is not a Permitted Lien.          (f) An Event of Default under (as defined in) the Line of Credit Loan Agreement shall occur.          (g) There is a default by Borrower in performance under any material agreement, mortgage, orindenture to which Borrower is a party with a Person other than Lender, if as a result of suchdefault the Debt evidenced or secured by any such agreement may be accelerated or demand forpayment thereof may be made.
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          (h) Any Guarantor dies or becomes the subject of an Insolvency Proceeding; revokes or attemptsto revoke the guaranty signed by such Guarantor; repudiates or disputes such Guarantor’s liabilitythereunder; is in default under the terms thereof; or fails to confirm in writing, promptly afterreceipt of Lender’s written request therefor, such Guarantor’s ongoing liability under the guarantyin accordance with the terms thereof.          (i) A Reportable Event (consisting of any of the events set forth in Section 4043(b) of ERISA)shall occur which Lender, in its reasonable discretion, shall determine constitutes grounds for thetermination by the Pension Benefit Guaranty Corporation of any Plan or the appointment by theappropriate United States district court of a trustee for any Plan, or if any Plan shall beterminated or any such trustee shall be requested or appointed, or if Borrower or any other Obligoris in “default” (as defined in Section 4219(c)(5) of ERISA) with respect to payments to aMultiemployer Plan resulting from Borrower’s, or such other Obligor’s complete or partialwithdrawal from such Multiemployer Plan.          (j) Any Obligor shall challenge in any action, suit or other proceeding the validity orenforceability of any of the Loan Documents, the legality or enforceability of any of theObligations, or any of the Loan Documents ceases to be in full force or effect for any reason otherthan a full or partial waiver or release by Lender in accordance with the terms thereof.          (k) A Change of Control shall occur.     **7.2****Remedies****.**Upon or after the occurrence of an Event of Default, Lender may, in itsdiscretion, without notice to or demand upon any Obligor, do any one or more of the following:          (a) Declare all Obligations, whether arising pursuant to this Agreement or otherwise, due,whereupon the same shall become without further notice or demand (all of which notice and demandBorrower expressly waives) immediately due and payable, and Borrower shall pay to Lender the entireprincipal of and accrued and unpaid interest on the Loans and other Obligations plus reasonableattorneys’ fees and its court costs if such principal and interest are collected by or through anattorney-at-law;          (b) Cease advancing money or extending credit to or for the benefit of Borrower under thisAgreement or under any other agreement between Borrower and Lender;          (c) Exercise any other rights or remedies afforded under any agreement, including the Deed toSecure Debt, by law, at equity or otherwise, including the rights and remedies of a secured partyunder the UCC. Such rights and remedies to include the rights to sell or otherwise dispose of allor any part of the Collateral in its then condition, at public or private sales, with such noticeas may be required by applicable law, in lots or in bulk, for cash or on credit, all as Lender inits discretion may deem advisable; and Borrower agrees to any requirement of notice to Borrower orany other Obligor of any proposed public or private sale or other disposition of Collateral that isnot real property by Lender shall be deemed reasonable notice thereof if given at least 10 daysprior thereto, and such sale may be at such locations as Lender may designate in said notice; and          (d) Petition for and obtain the appointment of a receiver, without notice of any kindwhatsoever, to take possession of any or all of the Collateral and business of Borrower and toexercise such rights and powers as the court appointing such receiver shall confer upon suchreceiver; andprovided, that, upon the occurrence of an Event of Default described in **Section 7.1(d)**, theObligation shall terminate immediately and automatically, without the necessity of any action byLender.
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     **7.3****Cumulative Rights; No Waiver****.**All covenants, conditions, warranties, guaranties,indemnities and other undertakings of Borrower in any of the Loan Documents shall be deemedcumulative, and Lender shall have all other rights and remedies not inconsistent herewith asprovided under applicable law. No exercise by Lender of one right or remedy shall be deemed anelection, and no waiver by Lender of any Default or Event of Default on one occasion shall bedeemed to be a continuing waiver or applicable to any other occasion. No delay by Lender shallconstitute a waiver, election or acquiescence by Lender in any failure by Borrower strictly tocomply with its obligations under the Loan Documents.**SECTION 8. GENERAL PROVISIONS**     **8.1****Notices and Communications****.**Except as otherwise provided in Section 1.1, allnotices, requests and other communications to or upon a party hereto shall be in writing (includingfacsimile transmission or similar writing) and shall be given to such party at the address orfacsimile number for such party set forth below, or at such other address or facsimile number assuch party may hereafter specify for the purpose by notice to Lender and Borrower in accordancewith the provisions of this Section. Each such notice, request or other communication shall beeffective (i) if given by facsimile transmission, when transmitted to the facsimile numberspecified herein for the noticed party and confirmation of receipt is received, (ii) if given bymail, 3 Business Days after such communication is deposited in the U.S. Mail, with first classpostage pre-paid, addressed to the noticed party at the address specified herein, or (iii) if givenby personal delivery, when duly delivered with receipt acknowledged in writing by the noticedparty. Notwithstanding the foregoing, no notice to or upon Lender pursuant to Sections 1.1*,*2.2 or5.1 shall be effective until actually received by the individual to whose attention at Lender suchnotice is required to be sent. Any written notice, request or demand that is not sent inconformity with the provisions hereof shall nevertheless be effective on the date that such notice,request or demand is actually received by the individual to whose attention at the noticed partysuch notice, request or demand is required to be sent.If to Borrower:Home Federal Holdings Corporation